Usda direct loan application pdf 2025

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USDA Income Limits Key Takeaways USDA Loan income limits for 2025 are $112,450 for 1-4 member households and $148,450 for 5-8 member households in most areas. Income limits may be higher in areas with a higher cost of living. Local USDA income limits vary based on household size and location.
Credit: Applicants must be unable to obtain a loan from other sources on reasonable terms and condi- tions. However, applicants must have reasonable credit histories as determined by USDAs loan officers. Applicants with a reliable credit score of 640 typically qualify for a streamlined credit review.
How long does USDA loan approval take? Depending on your situation, USDA loan approval can take several weeks to over a month generally, 30-60 days. Your loan officer should be able to give you a ballpark time frame.
To be eligible for a USDA home loan, your total household income cannot exceed the local USDA income limits. The 2025 current standard USDA loan income limit for 1-4 member households is $112,450, and the limit for 5-8 member households is $148,450, up from $146,050.
With the eForms site, users can electronically submit a direct loan application package including all items needed by the Agency to determine applicant eligibility for either the 502 or 504 program. Using eForms is beneficial to both the submitter and the Agency.
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The 2025 current standard USDA loan income limit for 1-4 member households is $112,450, and the limit for 5-8 member households is $148,450, up from $146,050. USDA loan limits by county may be higher to account for cost of living.
ADJUSTED INCOME is annual income less the following allowable deductions: Dependent, child care expenses, elderly household, disability assistance, and medical expenses. The conditions for a deduction must be met in order for it to be applied.
The Loan Originator or Loan Approval Official must determine repayment income in order to determine the amount of loan the applicants qualify for. Similar to the annual and adjusted annual income calculations, repayment income is also projected for the next 12 months.

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